Citizens Bank & Trust Company
Major Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 17.4 and a capital leverage ratio of 9.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Good (5.7) profitability. A current level of 12.9 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Good asset quality (5.3).
Asset Mix:
Cash (21%), securities (21%), comm re (16%), home mtgs (9%), comm loans (5%), consumer loans (2%), home eq lns (2%), other (24%)
States with Branches:
MT
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
CBT Corporation, Inc.
Investment Rating
--
Address
130 McLeod Street
Big Timber, MT 59011
Big Timber, MT 59011
Phone Number
(406) 932-5311
Year Founded
1927
FDIC Number
Website
Largest Affiliates
No affiliate information available.